86 Summit Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 86 Summit Ave, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	2 Baths
Year Built	Built 1951
Square Footage	1,901 sqft Living Area
Lot Size	13,000 sqft (0.298 acres)
Occupancy	Owner Occupied
Last Sale	$215,500 (2019)
Tax Bill	$46.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN M:R-12 B:0008 L:0010

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	86 SUMMIT AVE, GARDNER, MA 01440-3568
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 06, 2019 · Amount on Record
Deed Sale	Sep 06, 2019 · Amount on Record
Prior Sale	Nov 05, 2015 · Amount on Record
Deed Doc Number	201991498
Deed Book / Page	61011 / 232
Transfer Doc	43075-26
Record Refreshed	Jun 08, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 06, 2019
Property Address	86 SUMMIT AVE, GARDNER, MA 01440-3568
Document Number	61011-232
Book / Page	061011 / 000232
Instrument Date	Aug 27, 2019
Instrument	91498
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$982.68
Amount Accuracy	Confirmed
Additional	Quitclaim Document Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 SUMMIT AVE GARDNER MA 014403568, GARDNER, MA 01440-3568

Mortgage

Document Number	61011-236
Date	Sep 06, 2019
Book Page	061011/000236
Instrument	91499

Lender

Name	BAY EQUITY
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2049

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$46.00 (-99.05%)	$326,400 (+1.33%) Land $70,300 Building $256,100	$373,065
2024	$4,828.00 (+5.65%)	$322,100 (+13.7%) Land $64,000 Building $258,100
2023	$4,570.00	$283,300 Land $63,100 Building $220,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`M:R-12 B:0008 L:0010`
Alternative APN	`GARD M:R12 B:13 L:10`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,901 sqft Living Area
Gross Area	3,682 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	13,000 sqft (0.298 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	86 SUMMIT AVE
City	GARDNER
State	MA
Zip	01440-3568
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	GREEN LAWN
Legal Block	13
Legal Lot Number	10
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1037
Census Tract	707100